Home Credit Report Comparison
Credit Report Comparison

Before you order your free credit report, we'd recommend using our comparison chart below to make sure you're ordering the right one for your needs.  We're the only website to compare and rate credit reports from all three of the UK's credit reference agencies, Experian, Equifax and CallCredit.  And the winner of the best credit report is...

 

Our Recommendation Experian

Equifax

CallCredit
Which Credit Report?
Best Consumer
Credit Report 2013

experian_best_credit_report

2nd Best Credit Report

3rd Best Credit Report

experian

equifax_logo

call_credit_logo


Experian Review Equifax Review CallCredit Review

 

So what factors did we take into account when deciding on the best free credit report uk?  Well we've compared Experian, Equifax and CallCredit by the services they offer, what's included in their totally free credit report, and the overall experience when using their websites and dealing with their customer services teams.  Let's take a closer look...

 

Services Offered
Experian
Equifax
CallCredit
£2 Statutory Credit Report

yes

yes

yes

Totally Free Credit Report UK
Access for 30 Days

yes

yes

yes

Credit Score Ratings
Cost each time credit score / credit rating ordered.

FREE WITH

CREDIT FILE

MONITORING SERVICE

£5.95

FREE WITH

CREDIT FILE

MONITORING SERVICE


Credit File Monitoring Service
To help stop Identity Theft and Identity Fraud.

yes

yes

yes

Monitoring Service Free Trial
30 Day Trial Period

yes

yes

yes

Monitoring Service Cost

£14.99

MONTHLY


£2.99 - £7.50

MONTHLY

£12.00

QUARTERLY

Identity Fraud Expenses Insurance
Included free with monitoring service.

yes

no

no

E-Mail or Text Alerts
To advise you when someone has done a credit search.

yes

yes

yes

Online Dispute Service
To help you correct any errors on your credit report.

yes

yes

yes

No Long Term Contract

yes

yes

3 MONTHS

Advice Centre
Offering advice on improving your credit score and protecting yourself from Identity Theft and Fraud.

yes

yes

yes

free_experian_credit_report
free_equifax_credit_report free_callcredit_credit_repo

 

What's Included in Totally Free Credit Report UK?

Experian

Equifax

CallCredit

Personal Information
Such as your addresses and date of birth.

yes

yes

yes

Electoral Roll Information
Your registration with local authorities.

yes

yes

yes

Aliases
Other names you are known by.

yes

yes

yes

Financial Associations
People you are associated with.

yes

yes

yes

Public Record Information
Judgments filed in your name.

yes

yes

yes

Credit Agreements/Account Information
How much you owe, your credit limits and your payment history.

yes

yes

yes

Addresses and Contact Details of Lenders and Other Organisations
To help you contact organisations to ask them about information on your report or correct any inaccuracies.

yes

no

no

Repossession Information
Details of any properties that have been repossessed.

yes

yes

yes

Previous Searches
Companies/organisations that have viewed your credit information.

yes

yes

yes

Notices of Correction
Information you've added to your file.

yes

yes

yes

Property Valuation
The Land Registry provides historic house purchase prices from April 2000.

no

yes

no

CIFAS - The UK's Fraud Prevention Service
Alerts registered at your addresses.

yes

yes

yes

GAIN - Gone Away Information Network
Companies recording that they are unable to find you.

yes

yes

no

free_experian_credit_report free_equifax_credit_report free_callcredit_credit_repo

 

Our Rating

Experian

Equifax

Call Credit

Sign Up Process
How simple is it to register your details and access the members area?

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Appearance, User Friendliness and Accessibility of Website
How easy is it to find what you're looking for and navigate around the site?

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Free Credit Report UK Layout
How well is the credit report presented?

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Credit Report Content
How comprehensive is the credit report in terms of what's included?

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Credit Report Accuracy
How many of your credit agreements / accounts are included and is the information up-to-date?

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Flexibility of Packages
Does the credit reference agency offer flexible packages so you can tailor the service to your needs?

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Information & Advice
How concise / useful is the information & advice contained on the site?

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Ease to Cancel During Free Trial Period

Does the credit reference agency make it easy for you to cancel your free trial.

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Comments 

 
#1 James 2011-01-29 10:21
As for the flexibility of Experian's packages, you can switch to the £7.99 membership with alerts and additional credit scores at £5.95 if you don't want the full £14.99 service which has just been brought out (which includes £6.40 per month for ID fraud insurance).
Quote
 

Business Credit Reports

Experian Business Credit Report

What Do You Think?

Which credit reference agency gets your vote for offering the best consumer credit report?

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